1) Are debts causing arguments at home or making your home life unhappy?

2) Have you reached or exceeded the maximum credit limits on your credit cards?

3) Do you have any money in savings?

4) Would you have enough money to cover 3 months of expenses if you had an emergency?

5) Do you only pay the minimum amounts due on your credit card bills?

6) Have you ever made unrealistic payment promises to creditors?

7) Have you asked to borrow money to pay your debts off?

8) Are creditors/collectors calling you regarding late payments?

9) Do you worry your employer/family/friends will find out about your debt problems?

10) Do you take out loans or buy on credit without consideration for the interest you will have to pay?

11) Have you ever made a plan to pay off your debts, only to break it because the money gets used on expenses?

12) Have you ever taken out cash advances or payday loans to make the payments on your credit cards?

13) What is your debt-to-income ratio? (Divide total monthly debt payments by your total take-home income.)

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice. Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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With this amount of debt, you'd pay around $xx.xx on a DMP.

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